Copyright © 2012 Peel, Inc. The Talk - July 2012 1

THE TALK

THETHEJuly 2012 Volume 6, Issue 7

By Sugandha Jain“It is far more important to know how to deal with the negative than to be positive”

----Martin Seligman, Author of the book Learned OptimismDo you want your children to grow up to be fragile as a flower or

tough as Teflon? If you want your children to be strong, then, you need to fuel them with power to face every adversity that comes their way. According to Paul Stoltz, Aversity Quotient (AQ) is the ability of individuals to withstand adversity and surmount it. Resilient children with a high AQ turn obstacles into opportunities.

Resiliency is the ability to not only survive, but thrive. In order to remain strong, we must stretch ourselves and spring forward. In life, things happen that knock us back for awhile. We just don›t want to get stuck there. We may fall back, but then look out- we›re moving forward, stronger than ever!

A rubber band can be used to explain the concept of

resilience in children. A rubber band can be stressed and stretched, but it quickly returns to its regular shape when the stressor is gone. Similarly the resilient child quickly «bounces back» from stress or trauma. This ability to recover quickly from a stressful experience is important to brain development. When a child is stressed the brain is bathed in a stress hormone called cortisol. If cortisol levels remain high, the hormone starts to interfere with the development of connections within the brain.

A 2012 study by Stanford University School of Medicine team used used MRI scans to identify how humor affects children’s minds. The research proves that a strong sense of humor is an important part of positive emotion and may help children to be more resilient. Being able to see the humor in stressful situations, or to be able to laugh at difficult things can make children successful in life.

Parents have to find ways to laugh more and find humor in everyday life. Laugh at yourself and FOR your children. As parents we have many opportunities to show our children when things don’t go as planned, that we can fret, pout, wish for different circumstances OR we can bounce back and make fun!

Sugandha Jain is Master Registered Texas Trainer and Director of Accreditation at a local preschool.

It’s not the end of the world:

Raising Resilient Children

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Advertising Information Please support the businesses that advertise in the The Talk. If you would like to support the newsletter by advertising, please contact our sales office at 888-687-6444 or advertising@PEELinc.com. The advertising deadline is the 20th of each month for the following month's newsletter.

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Articles and ads in this newsletter express the opinions of their authors and do not necessarily reflect the opinions of Peel, Inc. or its employees. Peel, Inc. is not responsible for the accuracy of any facts stated in articles submitted by others. The publisher also assumes no responsibility for the advertising content with this publication. All warranties and representations made in the advertising content are solely that of the advertiser and any such claims regarding its content should be taken up with the advertiser.* The publisher assumes no liability with regard to its advertisers for misprints or failure to place advertising in this publication except for the actual cost of such advertising.* Although every effort is taken to avoid mistakes and/or misprints, the publisher assumes no responsibility for any errors of information or typographical mistakes, except as limited to the cost of advertising as stated above or in the case of misinformation, a printed retraction/correction.* Under no circumstances shall the publisher be held liable for incidental or consequential damages, inconvenience, loss of business or services, or any other liabilities from failure to publish, or from failure to publish in a timely manner, except as limited to liabilities stated above.

The Talk is a private publication published by Peel, Inc. It is not sanctioned by any homeowners association or organization, nor is it subject to the approval of any homeowners association or organization, nor is it intended, nor implied to replace any publication that may be published by or on behalf of any homeowners association or organization. At no time will any source be allowed to use the The Talk contents, or loan said contents, to others in anyway, shape or form, nor in any media, website, print, film, e-mail, electrostatic copy, fax, or etc. for the purpose of solicitation, commercial use, or any use for profit, political campaigns, or other self amplification, under penalty of law without written or expressed permission from Peel, Inc. The information in the newsletter is exclusively for the private use of Peel, Inc.

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Financial Focus - Student Loans Crushing College GradsSubmitted by Rich Keith

Today’s college grads are facing the “real world” with an extra scoop of debt. Two-thirds of students graduating from college or graduate school have student loans – about $25,000 on average. That’s a 25% increase over the past 10 years. In fact, today’s twentysomething holds an average debt of $45,000, including everything from student loans to mortgages and credit cards. Unfortunately, unemployment for those aged 18-29 is 12.4%, well above the national rate of 8.2%.

Don’t feel as if you have to be the savior. Six in 10 boomers report giving financial help (outside of college tuition) to a child or grandchild in the past five years. Of those, $59,000 was the average amount of aid. If this sounds like you, ask yourself: Do I really have the resources? Am I saving enough for retirement? Try to share more financial wisdom and less cash with your adult offspring. The more you save for your own future means less possibility that you’ll need their help later on.

Without going into too much detail, share the family financial picture with your children once they hit the mid-teen years. They need to know the family income is X and it takes Y amount to cover the mortgage and

bills. Once they see X minus Y in action they will be surprised at how much it actually costs to run a household.

This may have a side benefit of limiting how much and how often your children ask you for money and gifts.

Children who have a basic understanding of money, especially the corrosive effects of debt, have a better chance of becoming

financially independent later in life. They will be more resistant to the credit card offers sure to

come to them in their freshman year at college.  And they will more ready to partner with their parents as the family manages their college

finances with them.

Copyright © 2012 Peel, Inc. The Talk - July 2012 5

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6 The Talk - July 2012 Copyright © 2012 Peel, Inc.

THE TALKA Focus on Heat Emergencies

HEALTHY TIPS TO STAY COOL IN EXTREMELY HOT WEATHERBy: Concentra Urgent Care

Heat emergencies fall into three categories of increasing severity: Heat

Cramps, Heat Exhaustion & Heatstroke.Heat illnesses are easily preventable by

taking precautions in hot weather. Children, elderly, and obese people have a higher risk of developing heat illness. People taking certain medications or drinking alcohol also have a higher risk. However, even a top athlete in superb condition can succumb to heat illness if he or she ignores the warning signs.

If the problem isn’t addressed, heat cramps (caused by loss of salt from heavy sweating) can lead to heat exhaustion (caused by dehydration), which can progress to heatstroke. Heatstroke, the most serious of the three, can cause shock, brain damage, organ failure, and even death.

SIGNS & SYMPTOMS

— Heat Cramps —• Sweating• Pain in arms, legs, and abdomen

— Heat Exhaustion —• Moist, pale skin• Fatigue and fainting• Dizziness and lightheadedness• Headache and confusion• Nausea and vomiting• Rapid pulse and breathing

— Heat Stroke —• No sweating• Dry, hot, red skin• Confusion and loss of consciousness• Rapid pulse• Temperature over 103º F• Seizures

CAUSES:The following are commoncauses of heat emergencies:

• High temperatures or humidity• Dehydration• Prolonged or excessive exercise• Excess clothing• Alcohol use• Medications, such as diuretics, neuroleptics,

phenothiazines, and anticholinergics• Cardiovascular disease

What to do in heat emergencies..FIRST AID

1. Have the person lie down in a cool place. Elevate the person’s feet about 12 inches.

2. Apply cool, wet cloths (or cool water directly) to the person’s skin and use a fan to lower body temperature. Place cold compresses

(Continued on Page 7)

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on the person’s neck, groin, and armpits.3. If the person is alert, give cool water or sports beverages.

It’s advisable to drink slowly and steadily, particularly if they are experiencing nausea.

4. For muscle cramps, give beverages as above, and massage and stretch affected muscles gently, but firmly, until they relax.

5. If the person shows signs of shock (bluish lips and fingernails, and decreased alertness), starts having seizures, or loses consciousness, call 911 and continue cooling procedures, as described above.

DO NOT:• DO NOT underestimate the seriousness of heat illness, especially

if the person is a child, elderly, or injured.• DO NOT give the person medications that are used to treat fever

(such as aspirin or acetaminophen). They will not help, and they may be harmful.

• DO NOT give the person salt tablets.• DO NOT give the person liquids that contain alcohol or caffeine.

They will interfere with the body’s ability to control its internal temperature.

• DO NOT use alcohol rubs on the person’s skin.• DO NOT give the person anything by mouth (not even salted

drinks) if the person is vomiting or unconscious.

A Focus on Heat Emergencies- (Continued from Page 6)

PREVENTION:• Wear loose-fitting, lightweight clothing in hot weather.• Rest regularly in a cool area; seek shade when possible.• Avoid strenuous physical activity in hot or humid conditions.• Drink plenty of fluids every day. Drink more fluids before, during,

and after physical activity.• Be especially careful to avoid overheating if you are taking drugs that

impair heat regulation, or if you are overweight or elderly.• Be careful of hot cars in the summer. Allow the car to cool off

before getting in.• Avoid heavy meals and hot foods.

For more information on how to cope with the heat, ask your Concentra health professional, or visit the CDC’s Web site at:

www.cdc.gov/niosh/topics/heatstress/

ReferencesAuerbach PS. Wilderness Medicine. 4th ed. St. Louis, Mo: Mosby; 2001:240-316. | DeLee JC, Drez Jr. D, Miller MD,

eds. DeLee and Drez’s Orthopaedic | Sports Medicine. 2nd ed. Philadelphia, Pa: Saunders; 2003:763.

8 The Talk - July 2012 Copyright © 2012 Peel, Inc.

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Available Timarron Residential Real Estate$745,800 $735,000 $725,000 $700,000 $699,000 $678,900 $675,000 $675,000 $669,000 $664,900 $650,000 $650,000 $649,900 $649,500 $649,500 $639,900 $625,000 $625,000 $625,000 $624,900 $623,800 $619,900 $600,000 $595,000 $579,000 $575,000 $569,500 $569,000 $569,000

904 Aaron Way 1421 Montgomery Lane 1425 Kensington Court 518 Northwood Trail 1116 Longford Circle 125 Creekway Bend 1122 Longford Circle 1426 Montgomery Lane 613 Regency Crossing 809 Heatherglen Court 708 Longford Drive 1422 Kensington Court 1115 Highland Oaks Drive 802 Durham Court 723 Wyndsor Creek Drive 700 Aberdeen Way 939 Midland Creek Drive 600 Regency Crossing 325 Highland Oaks Circle 702 Bryson Way 727 Inwood Drive

1413 Eagle Bend 1715 Byron Nelson Pkwy 1644 Byron Nelson Pkwy 1329 Province Lane 1624 Byron Nelson Pkwy 7204 Majestic Manor

7300 Thames Trail 1202 Lansdowne Court 1205 Kirkcaldy Court 1405 Montgomery Lane 1305 Regency Court 615 Logans Lane 7203 Stilton Court 7305 Balmoral Drive 1355 Bent Trail Circle 1661 Byron Nelson Pkwy 1374 Bent Trail Circle 805 Aberdeen Way 607 Aberdeen Way 1700 Thames Trail 524 Villa Crossing 1485 Bent Trail Circle 1409 Waltham Drive 1315 Regency Court 1434 Waltham Drive 901 Aaron Way 515 Regency Crossing 603 Regency Crossing 614 Regency Crossing 1205 Strathmore Drive 1135 Highland Oaks Drive 600 Logans Lane 604 Blair Court 1012 Hanover Drive 513 Villa Crossing

$13,750,003 $1,875,000 $1,698,540 $1,665,000 $1,565,000 $1,475,000 $1,385,000 $1,300,000 $1,300,000 $1,299,500 $1,298,800 $1,275,000 $1,200,000 $1,199,900 $1,179,000 $1,169,800 $1,049,000

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1203 Earlston Court 1719 Byron Nelson Pkwy 1203 Kirkcaldy Court 1430 Byron Nelson Pkwy 1708 Byron Nelson Pkwy 1724 Byron Nelson Pkwy 1311 Chadwick Crossing 409 Oak Ridge Court 1208 Chadwick Crossing 1516 Byron Nelson Pkwy 1600 Byron Nelson Pkwy 1319 Eagle Bend 1226 Strathmore Drive 1632 Byron Nelson Pkwy 1301 Eagle Bend 404 Oak Ridge Court 1334 Eagle Bend 1310 Chadwick Crossing 2102 Conner Lane 412 Bryn Meadows 1340 Bentley Court 403 Atherton Circle 1415 Bentley Court 7308 Thames Trail 7216 Braemar Terrace 301 Augusta Court 1205 Province Lane 614 Fairway View Terrace 807 Fairwood Court

$565,000 $550,000 $549,000 $535,000 $518,800 $515,000 $512,000 $509,000 $500,000 $500,000 $499,900 $498,000 $489,900 $475,800 $469,000 $459,900 $450,000 $449,900 $446,000 $439,750

$435,00

1205 Lansdowne Court 1907 Caspian 2007 Caspian Lane 1420 Bent Creek Drive 1421 Sandstone Court 215 Creekway Bend 2217 Collins Path 601 Rustic Ridge Court 706 Wentwood Drive 1307 Regency Court 2213 Collins Path 728 Bryson Way 1320 Regency Court 612 Logans Lane 714 Wentwood Drive 1400 Kensington Court 320 Glenrose Court 811 Caroline Lane 1360 Bent Trail Circle 1008 Hanover Drive 616 Logans Lane 702 Heatherglen Drive 710 Nettleton Drive 600 Northwood Trail 807 Oakcrest Court 934 Midland Creek Drive 712 Heatherglen Drive 923 Midland Creek Drive

Statistics as reported by NTREIS as of 5/21/2012 This is not intended to solict property currently listed for sale by another broker.

Z=price is undisclosed

Sales Year-to-Date

$1,198,800Z $1,150,000

$865,942 $837,500 $784,000 $705,000

$671,626 $662,500 $640,000 $637,000 $635,000 $628,000 $585,000 $565,500 $550,000 $550,000 $509,000 $501,500 $499,900 $490,000 $485,000 $482,500 $475,000 $475,000 $471,000 $470,500 $466,500 $440,000

$439,900Z $415,000 $410,000 $406,000 $395,000 $395,000

Sales Year-to-Date

Chadwick Crossing